AIG Insurance Review (2026)
- Overall rating: good (3.6/5 stars)
- Average cost: $2,175 for a 6-month policy
- Digital Experience Score: Good (3.7/5 stars)
Read more below to get a quote directly from AIG.
Renata joined The Zebra in 2020 as a Customer Experience Agent. Since 2021, she has worked as a licensed insurance professional and content strategis…
Credentials
- Licensed Insurance Agent — Property and Casualty
- 5 years of experience in the insurance industry
Tara joined The Zebra in 2025, bringing 18 years of marketing and public relations experience with fintech and insurance brands. She specializes in c…
Credentials
- 18+ years of experience in the fintech & insurance industries
Beth joined The Zebra in 2022 as an Associate Content Strategist. A licensed insurance agent, she specializes in creating clear, accessible content t…
Credentials
- Licensed Insurance Agent — Property and Casualty
- Associate in Insurance (AINS)
- Professional Risk Consultant (PRC)
- Associate in Insurance Services (AIS)
AIG Insurance: A good option for flexibility
AIG earns a good rating from experts at The Zebra for its comprehensive coverage options, tailored policies for higher-value vehicles, and dependable claims support.
While customer experiences with service can vary, the company’s strong financial stability and flexible offerings make it a reliable option for drivers seeking specialized protection.
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Proactive communication: Regular updates keep you informed without constant follow-up.
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Trusted practices: Clean record indicates ethical practices and good customer treatment.
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Digital access: Access policy documents and ID cards anytime from any device.
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App limitations: Poor or missing app forces you to use less convenient methods.
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Support gaps: Staff may be unable to provide answers and require multiple contacts.
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Service delays: Long wait times delay urgent issues and create frustration.
How The Zebra evaluates insurance companies
| Rating | Explanation | Star rating equivalent |
|---|---|---|
| Subpar | Lowest ranking, suggesting instability or high risk | 0-1.9 |
| Fair | Somewhat stable but not consistently reliable | 2-2.9 |
| Good | Generally dependable with moderate stability | 3-3.9 |
| Solid | Strong, reliable and dependable with minor risks | 4-4.4 |
| Exceptional | Highest rating, indicating outstanding stability and reliability | 4.5-5 |
Methodology — how The Zebra reviews insurance companies
The team of insurance experts at The Zebra evaluates companies by focusing on customer experience first, with an emphasis on service quality, reliability, and ease of interaction. Unlike previous models, pricing is not scored but is instead presented separately as context for comparison.
Each category has been scored using a combination of our internal customer satisfaction survey results and published scores from reputable organizations such as AM Best and J.D. Power.
- Service Accessibility & Support Quality (25%): This category measures how easy it is to get help when needed, evaluating factors such as support channel availability (phone, chat, in-person, app), response times, agent knowledge, service hours, and language accessibility.
- Claims Experience (25%): This category assesses how smoothly the claims process works, considering ease of filing (online, app, or phone), transparency and communication, processing times, and fairness in dispute resolution.
- Digital Experience & Policy Management (25%): This category evaluates the convenience of managing your policy: this includes mobile app usability, website experience, account management, digital document access, self-service options, and platform integrations
- Trust & Reliability (25%): This category looks at a company’s overall reliability, measuring financial strength, market stability, regulatory history, communication transparency, and consistency in policy terms.
Price context: Pricing varies significantly based on individual circumstances and risk factors. Customers can evaluate cost-effectiveness based on their specific situation and the service quality scores provided.
How much is AIG car insurance?
Currently, the national average for a 6-month car insurance policy is $1,163, whereas AIG is about $2,175.[1]
The Zebra’s Dynamic Insurance Rating Tool data methodology
The Zebra’s Dynamic Insurance Rating Tool for home and auto insurance rates utilizes the latest ZIP code-level rate filings from across the U.S., sourced from Quadrant Information Services and S&P Global. These filings, typically updated annually or biennially by insurers, are verified through Quadrant’s QA process and then integrated into The Zebra’s estimator.
The displayed rates are based on a dynamic home and auto profile designed to reflect the content of the page. This profile is tailored to match specific factors such as age, location, and coverage level, which are adjusted based on the page content to show how these variables can impact premiums.
For a comprehensive understanding, see our detailed methodology.
See how AIG stacks up against competitors →
Discounts offered at AIG: less discount-focused
AIG focuses on higher-net-worth individuals and doesn't advertise any car insurance discounts on its website or in any other materials.
Compare with other companies
See how AIG stacks up against similar companies
AIG's customer service & claims experience: smooth with inconsistencies
AIG's customer service and claims experience can be inconsistent. Routine tasks, such as managing your policy or filing standard claims, are generally smooth and efficient through its digital platforms. Still, more complex claims or disputes may take longer to resolve and require additional follow-up.[2]
Related Questions
Does AIG cover expensive cars for hurricanes and floods in Florida?
Will AIG cover me if I get in an accident overseas?
How much will your rates climb after filing a claim with AIG?
No one wants to file a claim, but sometimes it's impossible to avoid. See the table below for some examples of what you could be facing after filing a claim.
Updating data...
| Accident/Violation | Avg. 6 Mo. Premium |
|---|---|
| None | $2,148 |
| Two comp claims | $2,148 |
| One comp claim | $2,148 |
| At-fault accident - greater than $2000 | $3,102 |
| At-fault accident - $1000-$2000 | $3,102 |
Source: The Zebra
AIG Insurance offers a streamlined claims process with online and mobile options, backed by strong financial stability. Many customers report smooth, professional service, though some experience delays or communication issues. Overall, AIG provides reliable claims support, but experiences can vary.
Coverage options: Unique and customizable
AIG offers the standard options you'd see with most companies, such as liability, collision and comprehensive, uninsured/underinsured motorist coverage, and personal injury protection). They also have unique coverage options tailored toward consumers with multiple vehicles, properties, or specialty items.
✔️ All in one protection
✔️ Agreed value
✔️ New vehicle replacement
Final thoughts: Is AIG Right for You?
AIG provides comprehensive coverage tailored for high-net-worth individuals, with dependable and professional claims service. While widely respected for its financial stability and policy options, some customers report slower processing times for complex claims and premiums that are notably above the national average.
Frequently Asked Questions about AIG
Get quotes from AIG and other top companies
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Data Methodology. The Zebra’s Dynamic Insurance Rating Tool
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Anonymized User Survey. The Zebra
About The Zebra
The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.
- The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
- The Zebra’s insurance editorial content is not subject to review or alteration by insurance companies or partners.
- The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
- The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.
